By the end of this lesson you’ll have a tier for every coin you hold, know how to set up a multisig that a thief with one of your devices can’t open, and know the check to make on the device before you confirm any transaction.

Three tiers
Give each coin one of three homes, the three accounts from lesson 8.
Hot
A separate hot wallet for new sites, on your phone or in your browser, made from its own phrase. It holds only what the next new site needs. Assume it will be emptied one day.
Warm
A hardware account for apps you trust, which signs now and then, for a bridge, a sale, a move. It holds what you’d spend or move this year.
Cold
A vault account on a hardware wallet that never connects to anything, or a multisig whose keys connect only to sign for it, with the backups from lesson 2. It holds the rest, and the rest is most of it.
Three tiers, three accounts
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